Payment Gateway Risk Assessment Report

sbaar.com has implemented several pioneering fraud detection and prevention mechanisms for some of our Payment Gateway integration modules. This report will help you automatically detect potentially
risky transactions that your Customers/Sub-Resellers have performed. This report is sent to your Billing Team on a daily basis, to allow you to identify any fraudulent transactions from any of the following Payment Gateways:

We strongly recommend that you enable this report and manually verify the transactions shown therein, by contacting the corresponding Customer or Sub-Reseller. If you find any of these transactions to be suspicious, you should immediately reverse the credit for them, before your Customers/Sub-Resellers use it. If they have already used the credit you may delete their orders or suspend them or follow any process you may deem necessary.

We would also recommend you to reverse any suspicious transactions at the Payment Gateway to avoid charge-backs. The sbaar.com Risk Engine assigns a Risk Score to transactions based on a vast accumulated database of information and the history of previous transactions. The Risk Report is divided into sections and special attention should be paid to the High Risk section, if it exists.

Example of a Payment Gateway Risk Report

HIGH RISK ALERT LIST - Different Credit Cards used from the Same Machine with Different Card Holder Names

Username

Role

Transaction Id

Amount

Card Holder Name

IP Address

Status

Payment Gateway Name

Date {GMT/UTC}

somebody@domain.com

Reseller

AddFund-R-87-76

INR567.00

a

192.168.0.82

AuthSuccessful

authorize.net

2005-10-25 22:57:49.197707

test@test.com

Reseller

AddFund-R-269-75

INR123.00

test

192.168.0.82

AuthSuccessful

authorize.net

2005-10-25 22:56:30.059662

test@test.com

Customer

AddFund-C-74-74

INR123.00

a

192.168.0.82

AuthSuccessful

authorize.net

2005-11-07 15:59:42.785879

test@test.com

Customer

Payment-C-74-22

INR54.21

a

192.168.0.82

AuthSuccessful

authorize.net

2005-11-07 15:59:42.785879

test@test.com

Customer

Payment-C-74-23

INR54.21

a

192.168.0.82

AuthSuccessful

authorize.net

2005-11-07 15:59:42.785879

HIGH RISK ALERT LIST - Different Credit Cards used from the Same IP Address with Different Card Holder Names

Username

Role

Transaction Id

Amount

Card Holder Name

IP Address

Status

Payment Gateway Name

Date {GMT/UTC}

test@test.com

Reseller

AddFund-R-269-63

INR123.00

test

192.168.0.82

AuthFailed

authorize.net

2005-11-07 15:59:42.785879

test@test.com

Reseller

AddFund-R-269-64

INR123.00

test

192.168.0.82

AuthSuccessful

authorize.net

2005-11-07 15:59:42.785879

somebody@domain.com

Customer

AddFund-C-74-74

INR123.00

a

192.168.0.82

AuthSuccessful

authorize.net

2005-11-07 15:59:42.785879

somebody@domain.com

Customer

Payment-C-74-22

INR54.21

a

192.168.0.82

AuthSuccessful

authorize.net

2005-11-07 15:59:42.785879

somebody@domain.com

Customer

Payment-C-74-23

INR54.21

a

192.168.0.82

AuthSuccessful

authorize.net

2005-11-07 15:59:42.785879

HIGH RISK ALERT LIST - Different Credit Cards used from the Same Email Address with Different Card Holder Names

Username

Role

Transaction Id

Amount

Card Holder Name

IP Address

Status

Payment Gateway Name

Date {GMT/UTC}

test@test.com

Reseller

AddFund-R-269-65

INR123.00

test

192.168.0.82

AuthSuccessful

authorize.net

2005-10-25 19:01:21.878671

test@test.com

Reseller

AddFund-R-269-75

INR123.00

test

192.168.0.82

AuthSuccessful

authorize.net

2005-10-25 22:56:30.059662

test@test.com

Reseller

AddFund-R-269-78

INR123.00

test

192.168.0.82

AuthSuccessful

authorize.net

2005-10-26 20:16:43.838572

test@test.com

Reseller

AddFund-R-269-79

INR123.00

test

192.168.0.82

AuthSuccessful

authorize.net

2005-10-26 20:17:14.089354

test@test.com

Reseller

AddFund-R-269-82

INR123.00

test

192.168.0.82

AuthSuccessful

authorize.net

2005-10-26 21:00:11.752088

test@test.com

Reseller

AddFund-R-269-63

INR123.00

test

192.168.0.82

AuthFailed

authorize.net

2005-11-07 15:59:42.785879

test@test.com

Reseller

AddFund-R-269-64

INR123.00

test

192.168.0.82

AuthSuccessful

authorize.net

2005-11-07 15:59:42.785879

MEDIUM RISK ALERT LIST - Different Credit Cards used from the Same Machine with the Same Card Holder Name